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by Lootman
February 16th, 2019, 3:19 pm
Forum: Beerpig's Snug
Topic: Thoroughly depressing
Replies: 68
Views: 1679

Re: Thoroughly depressing

If a first class seat on a plane takes the same space as 6 economy seats, then the first class passenger is consuming at least 6 times the resources to get from A to B that each individual economy passenger uses. (Actually it's even more because first class passengers also have extra cabin crew to ...
by Lootman
February 16th, 2019, 1:55 pm
Forum: Beerpig's Snug
Topic: Nationality question
Replies: 14
Views: 367

Re: Nationality question

In Northern Ireland, national identity is complex and diverse. The question of national identity[2] was asked in the 2011 census with the three most common identities given being British, Northern Irish and Irish. The original question was about nationality and residence. Both those questions have ...
by Lootman
February 16th, 2019, 1:41 pm
Forum: Passive Investing
Topic: Swap Based (synthetic) vs Full Replication
Replies: 8
Views: 294

Re: Swap Based (synthetic) vs Full Replication

Whenever you place money with someone else there is always the risk you won't get it back. But that risk varies which is why I gave three different cases. The question to ask about all ETFs is why is it better for someones else to seek to replicate the returns of an index on your behalf, by trading...
by Lootman
February 16th, 2019, 1:31 pm
Forum: Beerpig's Snug
Topic: Thoroughly depressing
Replies: 68
Views: 1679

Re: Thoroughly depressing

If a first class seat on a plane takes the same space as 6 economy seats, then the first class passenger is consuming at least 6 times the resources to get from A to B that each individual economy passenger uses. (Actually it's even more because first class passengers also have extra cabin crew to ...
by Lootman
February 15th, 2019, 9:58 pm
Forum: Polite Discussions
Topic: Trump
Replies: 111
Views: 5269

Re: Trump

The state of emergency tactic is very unpopular with Republican legislators because once the can of worms is opened they face a future where a Democratic President might try the same tactic to circumvent congressional approval for funding for, for example, the Green New Deal. Possibly. The Dems dil...
by Lootman
February 15th, 2019, 8:52 pm
Forum: Property Investment Discussions
Topic: Newbie guide to landlording!
Replies: 5
Views: 201

Re: Newbie guide to landlording!

I have never inherited a property with sitting tenants but I have bought rental buildings with sitting tenants. My usual rule was to evict all sitting tenants ASAP, absent a compelling reason to retain them, as I was very particular about who occupied my housing units. Or I raised the rent to achiev...
by Lootman
February 15th, 2019, 7:44 pm
Forum: Beerpig's Snug
Topic: Thoroughly depressing
Replies: 68
Views: 1679

Re: Thoroughly depressing

We need to be, there's far, far too many humans. That's the real problem but you never hear it mentioned. Well, Sartre mentioned it. He said "hell is other people". :D But fewer people would create other problems. The global economy would presumably halve if the population halved, along w...
by Lootman
February 15th, 2019, 7:35 pm
Forum: Beerpig's Snug
Topic: Nationality question
Replies: 14
Views: 367

Re: Nationality question

Often official forms ask for Nationality and Country of Residence. I always respond with "British" and "United Kingdom". I fully realise there are other options open to me, but that's what I want to do. I'm curious, however, how a typical person from Northern Ireland would respo...
by Lootman
February 15th, 2019, 5:44 pm
Forum: Passive Investing
Topic: Swap Based (synthetic) vs Full Replication
Replies: 8
Views: 294

Re: Swap Based (synthetic) vs Full Replication

I have avoided swap based ETFs originally as I didnt have time to understand them and I didnt like the sound of them "Synthetic" can mean that instead of investing directly in the shares underlying an index, they invest in derivatives (akin to spread betting) which have the same effect. C...
by Lootman
February 14th, 2019, 9:26 pm
Forum: Polite Discussions
Topic: Banksy
Replies: 20
Views: 577

Re: Banksy

EssDeeAitch wrote:
Lootman wrote:But I hate Billy Bragg more.

More than what?

More than the afore-mentioned. Point being I don't need political lectures from artists.
by Lootman
February 14th, 2019, 9:00 pm
Forum: Polite Discussions
Topic: Banksy
Replies: 20
Views: 577

Re: Banksy

Banksy is a bloke from Bristol called Robin. If we are talking Bristol art I prefer Wallace and Gromit. I'm with DE on this. Banksy is the latest in an endlessly tedious procession of angry young men expressing their outrage through bad art. Don't have a lot of time for Bono or Geldof either. If mu...
by Lootman
February 14th, 2019, 7:05 pm
Forum: Polite Discussions
Topic: May has lost her brexit motion
Replies: 7
Views: 308

Re: May has lost her brexit motion

Seeing how hard she is finding it to maintain a Commons majority, EU leaders may feel even less inclined to offer her Brexit concessions than they already were. Unless they fear a no-deal exit next month even more. Every time MPs tell us what they don't like rather than what they do like, we edge c...
by Lootman
February 14th, 2019, 7:02 pm
Forum: Polite Discussions
Topic: Customs Union - isn't it good enough?
Replies: 95
Views: 1412

Re: Customs Union - isn't it good enough?

I am curious to learn , following Airbus Chief Executive Tom Enders' speech at Davos recently, what it is about Welsh-made /Broughton-made aeroplane wings – satisfactorily used by Airbus for decades - that will suddenly make them unsatisfactory after the end of March. Is it a design fault? Somethin...
by Lootman
February 14th, 2019, 6:24 pm
Forum: Passive Investing
Topic: Vanguard 2019 ETF distribution schedule
Replies: 8
Views: 477

Re: Vanguard 2019 ETF distribution schedule

@Lootman I wouldn’t change your investment over this, I expect that the brokers will start to provide this information, as otherwise the private investor is highly unlikely to be aware of it. Some ETFs are accumulating and the income could well be a couple of % or so. The distributing ETFs will cle...
by Lootman
February 14th, 2019, 4:08 pm
Forum: Passive Investing
Topic: Vanguard VWRL - the one stop solution?
Replies: 44
Views: 2604

Re: Vanguard VWRL - the one stop solution?

the Vanguard site shouldn't include VWRD because it is also a broker/platform then perhaps you can clarify what you meant by " iShares is not a retail portal, so the comparison is not valid. ". The reason that Barclays Global Investors (as it was then; Blackrock since 2009) introduced the...
by Lootman
February 13th, 2019, 8:40 pm
Forum: Passive Investing
Topic: Vanguard 2019 ETF distribution schedule
Replies: 8
Views: 477

Re: Vanguard 2019 ETF distribution schedule

There was fair bit on the subject in the FT last October. I think I’ll comply personally :D I guess I missed that. But these are small amounts. For a 10K holding yielding 2% then that is 200 in income for a year and the missing income would be a small fraction of that - probably a few pounds a year...
by Lootman
February 13th, 2019, 7:21 pm
Forum: Brokers and Share Dealing
Topic: Lest we forget
Replies: 3
Views: 276

Re: Lest we forget

I realise there can be an argument for using a broker to deal in shares which are illiquid and/or have a large spread, and I'm quite happy to do so when the need arises, but both of these shares are mainstream with very small spreads. I could also (sort of) understand if these charges were for trad...
by Lootman
February 13th, 2019, 6:07 pm
Forum: Passive Investing
Topic: Vanguard 2019 ETF distribution schedule
Replies: 8
Views: 477

Re: Vanguard 2019 ETF distribution schedule

Don't forget for your taxed accounts you'll need a list of Excess Reportable Income, even those paying dividends throw off some ERI and I understand the revenue is looking more closely at this, would help if the brokers provided this information. Can't say I've ever bothered with this nor heard of ...
by Lootman
February 13th, 2019, 4:45 pm
Forum: Bitter Lemons
Topic: Today? Or just me?
Replies: 12
Views: 384

Re: Today? Or just me?

Indeed, the lengths people will go to to stop their dogs being naturally friendly can tend towards embarrassing. OK, there are situations where it makes sense to restrain a dog - like the muddy dog who might jump up on a person - but more often you see a perfectly clean and well-behaved dog being r...
by Lootman
February 12th, 2019, 8:49 pm
Forum: Polite Discussions
Topic: The Brexit Party
Replies: 43
Views: 1159

Re: The Brexit Party

But MPs do use their judgement after listening to debates and don't just follow party lines or vote as indicated by the party whips. For instance 118 MPs voted against May in the meaningful vote on the 15th January. You totally missed my point. I was objecting to the idea that MPs change their mind...

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